Hi All Haven’t posted for a while now as my IVA finished 18 months ago. We are in the middle of selling our house and our old IVA has manged to stick its size nines in when we thought it was passed us. We were one of Melanie Giles/Creditfix “customers” (debacle). To be fair once the dust settled Cre...

Hi we finished last September/October. Found them very efficient, we had our CC 10 days after our final payment! I would highly recommend phoning them and speaking to whoever has been assigned your case to close. Once I had a name and email address everything was seamless. There was no final review ...

Hi Lou Sorry have been away from a decent internet signal for a few days and only just seen your post. Looks like you don’t need the email now? Congratulations on nearly finishing. Your right it is very exciting, we still can’t believe we’ve done it! I think for us, for all the mistakes we made befo...

Thanks again for all the well wishes. Quick update; though we don’t want really want them, we decided to apply for credit cards so we can start getting our credit rating back on the straight and narrow. Talked to Vanquis on the phone and within 10 minutes I now have a card with a £500 limit! Also th...

LOL We had the same on our calender. When the CC came through we didnt know whether to laugh or cry ( I think we did both)

Good luck Fruitloop. Yes the last month was the longest ever! I must admit that once the equity was sorted on the house we were guilty of wishing the summer away! Glad you’ve got Alex very professional (wish the company itself was!!) I remember starting the IVA and being very jealous of the posts fr...

Hi Lou We contacted Creditfix about a month from the last payment and was passed over to the closures team. I must admit once we had our own contactable staff member (Alex) things couldn’t have gone smoother. We didn’t have to do a final review as we were told that they had enough information to fin...

Hi All After 5 years of hard slog we have finally finished our joint IVA. We paid our last payment a month ago and fair due to Credit fix we received our CC 2 weeks later :-) We have written to 3 credit agencies and 2 have already replied that there files have been updated with IVA completed! Just c...

I received the same letter with the same wording at the weekend! I refused to sign the letter last year as it would be a change to my contract. At the time I was told by CF that I was under no obligation to sign. Looks like they went ahead anyway without my permission! Looks like CF went for 23% but...

No problem good luck

Sorry I meant to have said if you need a copy of the illustration I can scan it and post it here!

Lou sorry I cant help on the deminus figure as I was in negative equity using 85% LTV.
CF were adamant I was correct when I quoted paragraph 14 and they had made a mistake. So hopefully the £5000 each will be correct too.
Power to the forum I say [}:)]

I have just gone through equity release with CF and it was a bit of a rollercoaster ride. I sent in all my paperwork including an evaluation before I was asked for it. I had a phone call last week stating that they had valued the house (higher than I had submitted but for me still below the magic fi...

Im just started my equity release with Credit fix as well so will keep everyone updated.

Sorry Lou didnt notice my spell checker changed your name [:(!]